Products and processes for revenue sharing and delivery

ABSTRACT

Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.11/859,095 entitled “PRODUCTS AND PROCESSES FOR REVENUE SHARING ANDDELIVERY,” which is incorporated herein by reference in its entirety.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings are not intended to be drawn to scale. In thedrawings, each identical or similar component that is illustrated invarious figures is represented by a like numeral. For purposes ofclarity, not every component may be labeled or act identified in everydrawing. In the drawings:

FIG. 1 shows a computer system architecture that may be used to performone or more acts in accordance with some embodiments of the presentinvention;

FIG. 2 shows an example process that may be performed in accordance withsome embodiments;

FIG. 3 shows another example process that may be performed in accordancewith some embodiments;

FIG. 4 shows yet another example process that may be performed inaccordance with some embodiments;

FIG. 5 shows still another example process that may be performed inaccordance with some embodiments;

FIG. 6 shows a further example process that may be performed inaccordance with some embodiments; and

FIG. 7 shows a still further example process that may be performed inaccordance with some embodiments.

DETAILED DESCRIPTION Terms

A reference to “another embodiment” in describing an embodiment does notimply that the referenced embodiment is mutually exclusive with anotherembodiment (e.g., an embodiment described before the referencedembodiment), unless expressly specified otherwise. The term “product”means any machine, manufacture and/or composition of matter, unlessexpressly specified otherwise. The term “process” means any process,algorithm, method or the like, unless expressly specified otherwise.Each process (whether called a method, algorithm or otherwise)inherently includes one or more steps, and therefore all references to a“step” or “steps” of a process have an inherent antecedent basis in themere recitation of the term ‘process’ or a like term. Accordingly, anyreference in a claim to a ‘step’ or ‘steps’ of a process has sufficientantecedent basis. The term “invention” and the like mean “the one ormore inventions disclosed in this application”, unless expresslyspecified otherwise. The term “variation” of an invention means anembodiment of the invention, unless expressly specified otherwise.

The terms “including”, “comprising”, “having”, “containing”,“involving”, and variations thereof mean “including but not limited to”,unless expressly specified otherwise. The terms “a”, “an” and “the” mean“one or more”, unless expressly specified otherwise. The term“plurality” means “two or more”, unless expressly specified otherwise.The term “herein” means “in the present application, including anythingwhich may be incorporated by reference”, unless expressly specifiedotherwise.

The phrase “at least one of” when such phrase modifies a plurality ofthings (such as an enumerated list of things) means any combination ofone or more of those things, unless expressly specified otherwise. Forexample, the phrase “at least one of a widget, a car and a wheel” meanseither (i) a widget, (ii) a car, (iii) a wheel, (iv) a widget and a car,(v) a widget and a wheel, (vi) a car and a wheel, or (vii) a widget, acar and a wheel.

The phrase “based on” does not mean “based only on”, unless expresslyspecified otherwise. In other words, the phrase “based on” describesboth “based only on” and “based at least on”. Similarly, the phrase“based on” does not mean “based on the entirety of”, “based on all of”or variations thereon, unless expressly specified otherwise.

The term “e.g.” and like terms mean “for example”, and thus does notlimit the term or phrase it explains. For example, in the sentence “thecomputer sends data (e.g., instructions, a data structure) over theInternet”, the term “e.g.” explains that “instructions” are an exampleof “data” that the computer may send over the Internet, and alsoexplains that “a data structure” is an example of “data” that thecomputer may send over the Internet. However, both “instructions” and “adata structure” are merely examples of “data”, and other things besides“instructions” and “a data structure” can be “data”.

The term “calculating” and grammatical variants thereof (e.g., tocalculating a price, calculating a value) is used in an extremely broadsense. The term “calculating” encompasses a wide variety of actions andtherefore “calculating” can include computing, processing, deriving,investigating, looking up (e.g., looking up in a table, a database oranother data structure), ascertaining and the like. Also, “calculating”can include receiving (e.g., receiving information), accessing (e.g.,accessing data in a memory) and the like. Also, “calculating” caninclude resolving, selecting, choosing, establishing, and the like.

The term “calculating” does not imply certainty or absolute precision,and therefore “calculating” can include estimating, predicting, guessingand the like. The term “calculating” does not imply that mathematicalprocessing must be performed, and does not imply that numerical methodsmust be used, and does not imply that an algorithm or process is used.The term “calculating” does not imply that any particular device must beused. For example, a computer need not necessarily perform thecalculating.

Similarly, the term “determining” is used in an extremely broad sense.The term “determining” should be understood to be at least as broad asthe term “calculating”.

The terms “an embodiment”, “embodiment”, “embodiments”, “theembodiment”, “the embodiments”, “one or more embodiments”, “someembodiments”, “certain embodiments”, “one embodiment”, “anotherembodiment” and the like mean “one or more (but not all) embodiments ofthe present invention”, unless expressly specified otherwise.

The term “electronic message” and variations thereof used herein shouldbe understood to mean any electronic representation of information. Forexample an HTTP message, an XMLHTTP request, an SMS message, an MMSmessage, a database message (e.g., SQL message) or any other series ofelectrical signals that represent information may be considered anelectronic message. An electronic message does not include informationidentifying a source and/or destination such as the informationtypically present in a TCP/IP packet header. Rather, the electronicmessage should be considered the body/content of such a packet.

The terms “representation” and “indication” of a thing and variationsthereof used herein in reference to a thing should be understood torefer to any indication of at least a portion and/or characteristic ofthe thing. An indication of information, for example, may include anyindication of at least a portion of the information. In someembodiments, the information may be determined by a person or computingdevice from the indication of the information. In some exampleimplementations, an indication may include a copy of the information inany of a variety of formats, compressions, and/or encryptions. Inanother example implementation, an indication may include an index orother identifier, such as a position in a list, an ID number, or adatabase key. An indication of a thing may be in the same or differentmedium as an original thing. For example, a number “1” may indicate asound, a color, a menu item, or any other thing depending, e.g., on theconfiguration of a computing system configured to interpret the number.In some implementations, an indication may be divided into a pluralityof portions, such as a plurality of electronic messages beingtransmitted from one location to another. In some implementations,multiple indications may be combined into a single message.

Forms of Sentences

Where a limitation of a first claim would cover one of a feature as wellas more than one of a feature (e.g., a limitation such as “at least onewidget” covers one widget as well as more than one widget), and where ina second claim that depends on the first claim, the second claim uses adefinite article “the” to refer to the limitation (e.g., “the widget”),this does not imply that the first claim covers only one of the feature,and this does not imply that the second claim covers only one of thefeature (e.g., “the widget” can cover both one widget and more than onewidget).

When an ordinal number (such as “first”, “second”, “third” and so on) isused as an adjective before a term, that ordinal number is used (unlessexpressly specified otherwise) merely to indicate a particular feature,such as to distinguish that particular feature from another feature thatis described by the same term or by a similar term. For example, a“first widget” may be so named merely to distinguish it from, e.g., a“second widget”. Thus, the mere usage of the ordinal numbers “first” and“second” before the term “widget” does not indicate any otherrelationship between the two widgets, and likewise does not indicate anyother characteristics of either or both widgets. For example, the mereusage of the ordinal numbers “first” and “second” before the term“widget” (1) does not indicate that either widget comes before or afterany other in order or location; (2) does not indicate that either widgetoccurs or acts before or after any other in time; and (3) does notindicate that either widget ranks above or below any other, as inimportance or quality. In addition, the mere usage of ordinal numbersdoes not define a numerical limit to the features identified with theordinal numbers (e.g., “a plurality of first widgets” indicates two ormore widgets that are distinct from other widgets). For example, themere usage of the ordinal numbers “first” and “second” before the term“widget” does not indicate that there must be no more than two widgets.

When a single device or article is described herein, more than onedevice/article (whether or not they cooperate) may alternatively be usedin place of the single device/article that is described. Accordingly,the functionality that is described as being possessed by a device mayalternatively be possessed by more than one device/article (whether ornot they cooperate).

Similarly, where more than one device or article is described herein(whether or not they cooperate), a single device/article mayalternatively be used in place of the more than one device or articlethat is described. For example, a plurality of computer-based devicesmay be substituted with a single computer-based device. Accordingly, thevarious functionality that is described as being possessed by more thanone device or article may alternatively be possessed by a singledevice/article.

The functionality and/or the features of a single device that isdescribed may be alternatively embodied by one or more other deviceswhich are described but are not explicitly described as having suchfunctionality/features. Thus, other embodiments need not include thedescribed device itself, but rather can include the one or more otherdevices which would, in those other embodiments, have suchfunctionality/features.

Disclosed Examples and Terminology are not Limiting

Neither the Title (set forth at the beginning of the first page of thepresent application) nor the Abstract (set forth at the end of thepresent application) is to be taken as limiting in any way as the scopeof the present invention. An Abstract has been included in thisapplication merely because an Abstract of not more than 150 words isrequired under 37 C.F.R. §1.72(b).

The title of the present application and headings of sections providedin the present application are for convenience only, and are not to betaken as limiting the disclosure in any way. The preambles of the claimsthat follow recite purposes, benefits and possible uses of the claimedinvention only and do not limit the claimed invention.

Numerous embodiments are presented for illustrative purposes only. Thedescribed embodiments are not, and are not intended to be, limiting inany sense. One of ordinary skill in the art will recognize that thepresent invention may be practiced with various modifications andalterations, such as structural, logical, software, and electricalmodifications. Although particular features of the present invention maybe described with reference to one or more particular embodiments and/ordrawings, it should be understood that such features are not limited tousage in the one or more particular embodiments or drawings withreference to which they are described, unless expressly specifiedotherwise.

Devices that are described as in communication with each other need notbe in continuous communication with each other, unless expresslyspecified otherwise. On the contrary, such devices need only transmit toeach other as necessary or desirable, and may actually refrain fromexchanging data most of the time. For example, a machine incommunication with another machine via the Internet may not transmitdata to the other machine for long periods of time (e.g., weeks at atime). In addition, devices that are in communication with each othermay communicate directly or indirectly through one or moreintermediaries.

A description of an embodiment with several components or features doesnot imply that all or even any of such components/features are required.On the contrary, a variety of optional components are described toillustrate the wide variety of possible embodiments of the presentinvention. Unless otherwise specified explicitly, no component/featureis essential or required.

Although process acts, algorithms or the like may be described in aparticular sequential order, such processes may be configured to work indifferent orders. In other words, any sequence or order of acts that maybe explicitly described does not necessarily indicate a requirement thatthe acts be performed in that order. The acts of processes describedherein may be performed in any order. Further, some acts may beperformed simultaneously despite being described or implied as occurringnon-simultaneously (e.g., because one act is described after the otheract). Further more, acts which are described as separate may beperformed as a single act in some embodiments. Moreover, theillustration of a process by its depiction in a drawing does not implythat the illustrated process is exclusive of other variations andmodifications thereto, does not imply that the illustrated process orany of its acts are necessary to the present invention, and does notimply that the illustrated process is preferred.

Although a process may be described as including a plurality of acts,that does not imply that all or any of the acts are preferred, essentialor required. Various other embodiments within the scope of the presentinvention may include other processes that omit some or all of thedescribed acts. Unless otherwise specified explicitly, no act isessential or required.

Although a process or product may be described singly or withoutreference to other processes or products, in some embodiments theprocess or product may interact with other processes or products. Forexample, such interaction may include linking one business model toanother business model. Such interaction may be provided to enhance theflexibility or desirability of the process.

An enumerated list of items (which may or may not be numbered) does notimply that any or all of the items are mutually exclusive, unlessexpressly specified otherwise. Likewise, an enumerated list of items(which may or may not be numbered) does not imply that any or all of theitems are comprehensive of any category, unless expressly specifiedotherwise. For example, the enumerated list “a computer, a laptop, aPDA” does not imply that any or all of the three items of that list aremutually exclusive and does not imply that any or all of the three itemsof that list are comprehensive of any category. Also, an enumerated listof items (which may or may not be numbered) does not imply that any orall of the items are equivalent to each other or readily substituted foreach other.

Computing

It should be appreciated that the various processes described herein maybe implemented by, e.g., appropriately programmed computer systems,e.g., general purpose computers 101 and/or computing devices 103, suchas those illustrated in FIG. 1. A computing device 103 may include aspecialized or general purpose computing device such as a cellularphone, a personal digital assistant, and/or any other portable ornon-portable computing system that is not a general purpose computer.

A “processor” 105 means one or more microprocessors, central processingunits (CPUs), computing devices, microcontrollers, digital signalprocessors, application specific integrated circuits, or like devices orany combination thereof. A processor may include an Intel® Pentium®,Centrino®, and/or Core® processor. Typically, a processor 105 willreceive instructions (e.g., from a memory or like device), and executethose instructions, thereby performing one or more processes defined bythose instructions.

Thus a description of a process is likewise a description of anapparatus for performing the process. The apparatus that performs theprocess may include, e.g., a processor 105 and those input devicesand/or output devices (e.g., a keyboard 107, mouse, trackball,microphone, touch screen, printing device, display screen 109, speaker,network interface 111) that are appropriate to perform the process.

Further, programs (i.e., collections of instructions) that implementsuch methods (as well as other types of data) may be stored andtransmitted using a variety of media (e.g., machine-readable media) in anumber of manners. In some embodiments, hard-wired circuitry or customhardware may be used in place of, or in combination with, some or all ofthe software instructions that can implement the processes of variousembodiments. Thus, various combinations of hardware and software may beused instead of software only.

In some embodiments, processor 105 may execute an operating system whichmay include, for example, the Windows-based operating systems (e.g.,Windows NT, Windows 2000 (Windows ME), Windows XP, Windows Vista)available from the Microsoft Corporation, MAC OS System X operatingsystem available from Apple, one or more of the Linux-based operatingsystem distributions (e.g., the Enterprise Linux operating systemavailable from Red Hat, Inc.), the Solaris operating system availablefrom Sun Microsystems, or UNIX operating systems available from varioussources. Many other operating systems may be used, and the invention isnot limited to any particular operating system.

The processor and operating system together may define a computerplatform for which programs stored on a machine-readable medium may bewritten in various programming languages, including an object-orientedprogramming language, such as SmallTalk, Java, C++, Ada, Python, or C#(C-Sharp), functional programming languages, scripting programminglanguages such as JavaScript, and/or logical programming languages.Various aspects of the invention may be implemented in a non-programmedenvironment (e.g., documents created in HTML, XML or other format that,when viewed in a window of a browser program, render aspects of a GUI orperform other functions). Some implementations of the present inventionmay be implemented using a plurality of programming languages andtechniques known collectively as AJAX to provide a user with aninteractive web-based user interface.

Various embodiments of the present invention may include a networkenvironment including one or more computing systems (e.g., generalpurpose computers 101, other computing devices 103) in communicationthrough one or more communication networks (e.g., a LAN 119, theInternet 121). The computer systems may communicate directly orindirectly, via any wired or wireless medium (e.g., the Internet 121,LAN 119, WAN or Ethernet, Token Ring, a telephone line, a cable line, aradio channel, an optical communications line, commercial on-lineservice providers, bulletin board systems, a satellite communicationslink, cellular telephone networks, a WI-FI network, a Bluetoothcommunication link, a combination of any of the above).

Various aspects of the invention (e.g., program elements stored onmachine-readable media and executable by one or more processors) may bedistributed among one or more computer systems configured to provide aservice to one or more client computer systems. For example, in someembodiments, a plurality of computing systems may be organized as acentral authority connected to a LAN or other communication network.These computing systems may receive requests and other information fromremote computing systems through the Internet 121.

In some embodiments of the present invention, one or more computersystems may act as one or more database servers. The database server mayrespond to database requests such as structured query language (SQL)queries by providing access to a database (e.g., searching of thedatabase, writing to the database). The database server may maintain oneor more database tables having information stored therein to facilitatethe operation of some embodiments.

Aside from database servers, in some embodiments, one or more computersystems may act as a web server. A web server may be configured torespond to network requests (e.g., HTTP messages, XMLHTTP requests) fromweb browsers executed by remote computer systems. For example, a webbrowser 123 executed by a computing system may direct an HTTP messagethrough the Internet 121 to an edge routing device 125 connected to theLAN 119. The edge routing device 125 may be configured to direct theHTTP message to the web server through the LAN 119. The web server mayprovide a response (e.g., an HTML document) to the web browser 123through the edge routing device 125 and Internet 121. The web server maybe configured to communicate with other computer systems (e.g., adatabase server) to generate responses to such a received request.

In some embodiments, a server computer/centralized authority may not benecessary or desirable. For example, the present invention may, in anembodiment, be practiced on one or more computing devices without acentral authority. In such an embodiment, any functions described hereinas performed by a server or data described as stored on a generalpurpose computer may instead be performed by or stored on one or moresuch computing devices.

The term “machine-readable medium” refers to any medium thatparticipates in providing data (e.g., instructions, data structures)which may be read by a computer, a processor or a like device. Such amedium may take many forms, including but not limited to, non-volatilemedia, volatile media, and transmission media. Non-volatile mediainclude, for example, optical or magnetic disks 113 and other persistentmemory. Volatile media include dynamic random access memory 115 (DRAM),which typically constitutes the main memory of a computer system.Transmission media include coaxial cables, copper wire and fiber optics,including the wires that comprise a system bus 117 coupled to theprocessor. Transmission media may include or convey acoustic waves,light waves and electromagnetic emissions, such as those generatedduring radio frequency (RF) and infrared (IR) data communications.Common forms of machine-readable media include, for example, a floppydisk, a flexible disk, a hard disk, a magnetic tape, any other magneticmedium, a CD-ROM, a DVD, any other optical medium, punch cards, a papertape, any other physical medium with patterns of holes, a RAM, a PROM,an EPROM, a FLASH-EEPROM, any other memory chip or cartridge, a carrierwave, or any other medium from which a computer system can read.

Various forms of machine-readable media may be involved in carrying data(e.g., sequences of instructions) to a processor. For example, data maybe (i) delivered from RAM to a processor; (ii) carried over a wirelesstransmission medium; (iii) formatted and/or transmitted according tonumerous formats, standards or protocols, such as Ethernet (or IEEE802.3), SAP, ATP, Bluetooth™ and TCP/IP, TDMA, CDMA, and 3G; and/or (iv)encrypted to ensure privacy or prevent fraud in any of a variety of wayswell known in the art.

Thus a description of a process is likewise a description of amachine-readable medium storing a program for performing the process.The machine-readable medium can store (in any appropriate format) thoseprogram elements that are appropriate to perform the process.

Where a process is described, in some embodiments the process mayoperate without any user intervention. In other embodiments, the processincludes some human intervention (e.g., an act is performed by or withthe assistance of a human).

Just as the description of various acts in a process does not indicatethat all the described acts are required, embodiments of an apparatusmay include one or more computer systems operable to perform some (butnot necessarily all) of the described process.

Likewise, just as the description of various acts in a process does notindicate that all the described acts are required, embodiments of amachine-readable medium storing a program or data structure include amachine-readable medium storing a program that, when executed, can causeone or more processors to perform some (but not necessarily all) of thedescribed process.

Where databases are described, it will be understood by one of ordinaryskill in the art that (i) alternative database structures to thosedescribed may be readily employed, and (ii) other memory structuresbesides databases may be readily employed. Any descriptions of anysample databases presented herein are illustrative arrangements forstored representations of information. Any number of other arrangementsmay be employed besides those suggested herein. Further, any databaseformat (including relational databases, object-based models and/ordistributed databases) may be used to store and manipulate the datatypes described herein. Likewise, object methods or behaviors of adatabase may be used to implement processes described herein. Inaddition, the databases may, in a known manner, be stored locally orremotely from a device which accesses data in such a database.

Continuing Applications

The present disclosure provides, to one of ordinary skill in the art, anenabling description of several embodiments and/or inventions. Some ofthese embodiments and/or inventions may not be claimed in the presentapplication, but may nevertheless be claimed in one or more continuingapplications that claim the benefit of priority of the presentapplication. Applicants intend to file additional applications to pursuepatents for subject matter that has been disclosed and enabled but notclaimed in the present application.

U.S.C. §112, Paragraph 6

In a claim, a limitation of the claim which includes the phrase “meansfor” or the phrase “step for” means that 35 U.S.C. §112, paragraph 6,applies to that limitation. In a claim, a limitation of the claim whichdoes not include the phrase “means for” or the phrase “step for” meansthat 35 U.S.C. §112, paragraph 6 does not apply to that limitation,regardless of whether that limitation recites a function withoutrecitation of structure, material or acts for performing that function.For example, in a claim, the mere use of the phrase “step of” or thephrase “steps of” in referring to one or more steps of the claim or ofanother claim does not mean that 35 U.S.C. §112, paragraph 6, applies tothat step(s).

With respect to a means or a step for performing a specified function inaccordance with 35 U.S.C. §112, paragraph 6, the correspondingstructure, material or acts described in the specification, andequivalents thereof, may perform additional functions as well as thespecified function.

Computers, processors, computing devices and like products arestructures that can perform a wide variety of functions. Such productscan be operable to perform a specified function by executing one or moreprograms, such as a program stored in a memory device of that product orin a memory device which that product accesses. Unless expresslyspecified otherwise, such a program need not be based on any particularalgorithm, such as any particular algorithm that might be disclosed inthe present application. It is well known to one of ordinary skill inthe art that a specified function may be implemented via differentalgorithms, and any of a number of different algorithms would be a meredesign choice for carrying out the specified function.

Therefore, with respect to a means or a step for performing a specifiedfunction in accordance with 35 U.S.C. §112, paragraph 6, structurecorresponding to a specified function includes any product programmed toperform the specified function. Such structure includes programmedproducts which perform the function, regardless of whether such productis programmed with (i) a disclosed algorithm for performing thefunction, (ii) an algorithm that is similar to a disclosed algorithm, or(iii) a different algorithm for performing the function.

Where there is recited a means for performing a function hat is amethod, one structure for performing this method includes a computingdevice (e.g., a general purpose computer) that is programmed and/orconfigured with appropriate hardware to perform that function.

Also includes a computing device (e.g., a general purpose computer) thatis programmed and/or configured with appropriate hardware to performthat function via other algorithms as would be understood by one ofordinary skill in the art.

Disclaimer

Numerous references to a particular embodiment does not indicate adisclaimer or disavowal of additional, different embodiments, andsimilarly references to the description of embodiments which all includea particular feature does not indicate a disclaimer or disavowal ofembodiments which do not include that particular feature. A cleardisclaimer or disavowal in the present application shall be prefaced bythe phrase “does not include” or by the phrase “cannot perform”.

INCORPORATION BY REFERENCE

Any patent, patent application or other document referred to herein isincorporated by reference into this patent application as part of thepresent disclosure, but only for purposes of written description inaccordance with 35 U.S.C. §112, paragraph 1 and enablement in accordancewith 35 U.S.C. §112, paragraph 1, and should in no way be used to limit,define, or otherwise construe any term of the present application wherethe present application, without such incorporation by reference, wouldnot have failed to provide an ascertainable meaning, but rather wouldhave allowed an ascertainable meaning for such term to be provided.Thus, the person of ordinary skill in the art need not have been in anyway limited by any embodiments provided in the reference.

Any incorporation by reference does not, in and of itself, imply anyendorsement of, ratification of or acquiescence in any statements,opinions, arguments or characterizations contained in any incorporatedpatent, patent application or other document, unless explicitlyspecified otherwise in this patent application.

Prosecution History

In interpreting the present application (which includes the claims), oneof ordinary skill in the art shall refer to the prosecution history ofthe present application, but not to the prosecution history of any otherpatent or patent application, regardless of whether there are otherpatent applications that are considered related to the presentapplication, and regardless of whether there are other patentapplications that share a claim of priority with the presentapplication.

Exemplary Embodiments

Various techniques of distributing revenue and/or other money areproviding herein. One embodiment includes a method of distributingportions of loan payments to one or more referrers associated with oneor more loans.

As mentioned above, one embodiment includes a method of distributingparts of a loan payment to one or more referrers associated with theloans. In one particular embodiment, a computer system, for example, mayimplement a process similar to process 200 illustrated in FIG. 2.Process 200 may begin at block 201.

As indicated at block 203, process 200 may include receiving at leastone indication of at least one referral. In some embodiments, theindication of the referral may include an indication that a referrer hasreferred at least one borrower.

In some implementations, a plurality of indications each indicating thata respective referrer has referred at least one respective borrower maybe received. In some implementations, an indication of a referral mayinclude, for example, a loan application identifying a referrer, and/orany other information in any format. In some embodiments, the indicationof the referral may include an indication that a referrer has referredat least one lender. In some implementations, a plurality of indicationseach indicating that a respective referrer has referred at least onerespective lender may be received.

In some embodiments, each indication of a referral may indicate areferrer. In some implementations, a referrer may include at least oneof an individual, a referring webpage (e.g., a webpage that redirects auser to a webpage for entering lender/borrower information), anorganization, and/or any other entity. Some examples of indications ofreferrals are mentioned above, other non-limiting examples may includeelectronic messages, temporary internet browser storage (e.g., cookies),a URL (e.g., referrer.placereferredto.com), and/or any other type ofindication.

As indicated at block 205, process 200 may include receiving at leastone indication of information regarding at least one lender. Someimplementations may include receiving a plurality of indications ofrespective information regarding a plurality of respective lenders. Someimplementations may include providing a user interface (e.g., a website) through which a lender may enter such information. The lender mayinclude, for example, a bank or other financial institution, a privateindividual, and/or any other individual or entity. In someimplementations, such information may include identification informationsuch as names, contact information, and/or any other identifyinginformation desired. In some implementations, such information mayinclude lending information such as one or more interest rates at whichloans may be lent, one or more amounts of money that may be lent, one ormore lending restrictions or policies, and/or any other desired lendinginformation. In some implementations, receiving such information mayoccur substantially simultaneously with receiving an indication of areferrer of a lender as described above. For example, a lender may enterreferrer information through a user interface and submit suchinformation as one or more electronic messages that include both anindication of the information and an indication of the referral.

As indicated at block 207, process 200 may include receiving at leastone indication of information regarding at least one borrower. Someimplementations may include receiving a plurality of indications ofrespective information regarding a plurality of respective borrowers.The borrowers may include individuals, business entities, and/or anyother desired borrowers. In some implementations, such information mayinclude, for example, identification information such as a name, socialsecurity number, contact information, and/or any other identifyinginformation. In some implementations, such information may includeborrowing information such as one or more desired interest rates, one ormore desired amounts of money to borrow, one or more credit relateddetails (e.g., credit rating, income, etc.), one or more desired terms,and/or any other desired information. In some implementations, receivingsuch information may occur substantially simultaneously with receivingan indication of a referrer of a borrower as described above. Forexample, a borrower may enter referrer information through a userinterface and submit such information as one or more electronic messagesthat include both an indication of the information and an indication ofthe referral.

As indicated at block 209, process 200 may include facilitating at leastone loan. The loan may include a loan of money from at least one lender(e.g., a lender about whom an indication of information is received atblock 205) to at least one borrower (e.g., a borrower about whom anindication of information is received at block 207). In someimplementations, the at least one loan may include a plurality of loans.In some implementations, facilitating may include matching at least onelender with at least one borrower based on the respective receivedindications of information. For example, in some implementations, alender willing to provide a loan at a particular interest rate may bematched with a borrower willing to take a loan at or near that interestrate. In some implementations, other information such as terms, amountsof money, credit worthiness, and/or any other desired items may bematched as well or as an alternative to interest rates.

In some implementations, a plurality of lenders may be matched to asingle borrower. In others, a single lender may be matched to a singleborrower. Such a matching may, in some implementations, include thelender and borrower with most similar information. In someimplementations, a representation of one or more lenders may be providedto a borrower. The representation may include, for example, a userinterface through which the borrower may view information aboutavailable loans from the one or more lenders and/or may select one ormore of the matched one or more lenders from the representation toaccept a loan or loans. In some implementations, such matches may beordered based on similarity of information.

In some implementations, facilitating may include providing arepresentation of one or more borrowers to one or more lenders. Therepresentation may include, for example, a user interface through whichthe one or more lenders may view information regarding the one or moreborrowers. In some implementations, the representation may include asorted list of borrowers according to closeness of match.

In some implementations, information may be exchanged with/provided torespective borrowers and/or lenders so that a loan may be establishedbetween them. In other implementations, a loan may automatically beestablished if information regarding a lender and a borrower matches toa sufficient degree. In still other implementations, a loan may beestablished if one or both parties verifies their desire for a loan(e.g., through a web page or other user interface, by signing a loandocument electronically or by hand, etc.).

As indicated at block 211, process 200 may include determining at leasta portion of a payment associated with the one or more loans to allocateto the at least one referrer. In various embodiments, such a portion maybe determined for all loans given to a referred borrower and/or by areferred lender. In some implementations, such a portion may include aportion of a repayment of a principal of the loan, a payment of interestin the loan, a payment of a fee associated with the loan, and/or anyother payment.

As indicated at block 213, process 200 may include allocating theportion of the payment to the referrer. In some implementation, process200 may further include providing the payment to the referrer. Areferrer may thereby receive a payment for each loan in which a party tothe loan was referred by him or her.

Process 215 may end at block 215. It should be understood that process200 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations.

Another embodiment of the present invention relates to bonding ofdelivery agents. In one particular embodiment, a computer system, forexample, may implement a process similar to process 300 illustrated inFIG. 3. Process 300 may begin at block 301.

As indicated at block 303, some embodiments of process 300 may includereceiving an indication of a delivery request for at least one product.In some implementations, the indication of the delivery request mayinclude an indication of the at least one product, an indication of asource of the at least one product, an indication of a destination forthe at least one product, an indication of a desired delivery agent,and/or any other desired information. In some implementations, theindication may be received from a source of the at least one product(e.g., a merchant) a destination of the at least one product (e.g., acustomer), and/or any other entity.

As indicated at block 305, some embodiments of process 300 may includereceiving an indication of a value of the at least one product. In someimplementations, the value may include an estimated value of theproduct, a cost of the product, and/or any other value. In someimplementation the indication of the value may be received with and/orsubstantially simultaneously to the indication of the delivery request(e.g., in a same one or more electronic messages). In someimplementations, the indication of the value may be received from thesource of the product, the destination of the product, and/or any othersource.

As indicated at block 307, some embodiments of process 300 may includedetermining a bonding value based at least in part on the value of theat least one product. In some implementations, the bonding value mayinclude a percentage of the value of the product (e.g., 10%).Determining a bonding value may include determining the amount of moneyequal to such a percentage. In some implementations, a bonding value mayvary based on other criteria such as distance, fragility, risk adversityof source/destination, and/or any other information.

As indicated at block 309, some embodiments of process 300 may includetransmitting a request for a bonding of a delivery agent. In someimplementations, the request may include a request to bond the agentwith at least an amount of money equal to the determined bonding value.In some implementations, the request may be transmitted as an electronicmessage (e.g., an email message, a credit card charge, etc.). In otherimplementations, the request may be a verbal or other type of request.The request may be transmitted to the delivery agent, a financialinstitution associated with a delivery agent, and/or any other entity.

As indicated at block 311, some embodiments of process 300 may includereceiving an indication of a completed bonding of the delivery agent.Such an indication may include an indication that the bonding value hasbeen received or otherwise reserved. For example, in someimplementations, such an indication may include an indication from acredit card company, bank and/or other financial institution orindividual that an amount of money equal to the bonding value has beenreserved (e.g., locked on a credit card, etc.). In other implementationsthe indication may include an indication that the amount of money hasbeen received, for example, by an entity performing the process, atrusted entity, and/or any other entity. In some implementation at leastpart of the bonding amount may be returned to its source of the bondingamount after delivery is successfully completed.

As indicated at block 313, some embodiments of process 300 may includetransmitting a request for the delivery agent to deliver the at leastone product. In some implementations the request may include a requestto act as an agent when delivering the product to the destination. Insome implementations, acting as an agent may include accepting theproduct from the source without taking ownership of the product. In someimplementations, the request may include a request to act as a principalwhen delivering the product. In some implementations, acting as aprincipal may include accepting the product from the source and takingownership of the product until delivery is complete.

In some implementations process 300 may include an act of delivering atleast one product from at least one source to at least one destination.Delivering the product may include acting as an identified one of anagent and/or a principal.

Process 300 may end at block 315. It should be understood that process300 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations.

Another embodiment of the present invention relates to selectingdelivery agents. In one particular embodiment, a computer system, forexample, may implement a process similar to process 400 illustrated inFIG. 4. Process 400 may begin at block 401.

As indicated at block 403, some embodiments of process 400 may includereceiving a first indication of a delivery request for at least oneproduct. In some implementations, the indication of the delivery requestmay include an indication of the at least one product, an indication ofa source of the at least one product, an indication of a destination ofthe at least one product, and/or any other desired information. In someimplementations, the indication may be received from a source of the atleast one product (e.g., a merchant), a destination of the at least oneproduct (e.g., a customer), and/or any other entity.

As indicated at block 405, some embodiments of process 400 may includereceiving a plurality of reviews. In some implementations, the reviewsmay include one or more of an opinion, a fact, and/or any otherinformation regarding one or more delivery agents. For example, a reviewmay include a rating, a positive/negative story, a time needed fordelivery, and/or any other type of information. In some implementationsreviews may be received from a plurality of sources such as people thathave used a reviewed delivery agent in the past.

As indicated at block 407, some embodiments of process 400 may includeselecting a delivery agent based at least in part on the plurality ofreviews. Selecting may include determining which delivery agent deliversto a particular destination, determining which delivery agent iswilling/able to deliver within a particular timeframe, and/or matchinginformation regarding a delivery agent with information about aparticular delivery (e.g., type/size of delivered product, time ofdelivery, location of delivery source or destination, etc.). In someimplementations, selecting may include selecting a delivery agentassociated with more positive reviews than at least one other deliveryagent. In some implementations, selecting a delivery agent may includeselecting a most favorably reviewed delivery agent. In someimplementations, a user may be presented with a list of delivery agentsand asked to select one from the list. The list of delivery agents maybe determined based, at least in part, on the plurality of reviews(e.g., ordered based on favorable ratings, etc.). In one implementation,a set of reviews may be filtered based on a social network (e.g., ofsource, destination, etc.) of the source and/or destination of thedelivery before determining a selected delivery agent.

As indicated at block 409, some embodiments of process 400 may includetransmitting a request for the selected delivery agent to deliver the atleast one product. In some implementations the request may include arequest to act as an agent when delivering the product to thedestination. In some implementations, acting as an agent may includeaccepting the product from the source without taking ownership of theproduct during delivery. In some implementations, the request mayinclude a request to act as a principal when delivering the product. Insome implementations, acting as a principal may include accepting theproduct from the source and taking ownership of the product duringdelivery.

In some implementations process 400 may include an act of delivering theproduct to the destination. Delivering the product may include acting asan identified one of an agent and/or a principal.

Process 400 may end at block 411. It should be understood that process400 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations.

Still other embodiments of the present invention relate to allocatingportions of credit card payments. In one particular embodiment, one ormore computer systems, for example, may implement a process similar toprocess 500 illustrated in FIG. 5. Process 500 may begin at block 501.

As indicated at block 503, some embodiments of process 500 may includereceiving a first indication of a credit card payment. The indicationmay be received, for example by a merchant, a credit card company, orany other desired entity. The indication may include credit cardinformation identifying a credit card, payment information identifying apayment to be made to the credit card, authorization informationauthorizing the payment to be made to the credit card, and/or any otherdesired information.

As indicated at block 505, some embodiments of process 500 may includedetermining at least one of a type of credit card and a merchantassociated with the credit card payment. In some implementations, themerchant may receive the indication so that determining the merchant maybe substantially trivial. In other implementations a credit card companyor other entity may receive the indication. In such embodiments,determining the merchant may include inspecting the received indicationof the credit card payment. In some implementations, determining thetype of the credit card may include determining if the credit cardmatches one or more desired types of credit cards. For example,determining the type may include determining if the credit card is aproprietary type or other promotional type associated with merchant,credit card company, and/or other desired entity. For example, in someimplementations, a merchant may receive an indication of a payment anddetermine if a credit card used to make the payment is a type issued bythe merchant or involved in some other promotion. In otherimplementations, a credit card company may receive an indication of apayment and determine if the merchant is an issuer of the credit card,or otherwise related to the credit card (e.g., through a promotion).

As indicated at block 507, some embodiments of process 500 may includecalculating, based, at least in part, on the at least one of the type ofcredit card and the merchant, a first portion of the credit card paymentto allocate to a purchaser. For example, if the merchant is an issuer ofthe card or otherwise associated/matched with the card type, the firstportion may be allocated to the purchaser. Otherwise, the first portionmay not be allocated to the purchaser. In some implementations, thefirst portion may include a percentage of the payment. In someimplementations, the percentage of the payment allocated may vary with avalue of the purchase, a characteristic of the purchaser, and/or anyother criteria. In some implementations, process 500 may includeoffering a product or service for sale at an amount included in thepayment. In some implementations, the sale amount may include a merchantportion and a fee portion. The merchant portion may include an amountthat a merchant sells a product and/or service for. A fee portion mayinclude a fee for offering the product and/or service for sale and/ordelivering. In some implementations, the sale amount may be an amountthat the merchant typically sells the product or service for, and themerchant portion may represent a discounted price that a reseller orother agent may use to sell the product (e.g., in combination with thefee portion). The fee portion may represent a markup to the merchantportion that may return the merchant portion to the sale amount. In someimplementations, the first portion may include such a fee portion and/ormerchant portion.

As indicated at block 509, some embodiments of process 500 may includecalculating a second portion of the credit card payment to allocate tothe merchant. The second portion, in some implementations, may includesome or all of the remainder of the payment. In some implementations, aportion of the payment may be calculated to be allocated to otherentities, for use to pay fees, and/or for other purposes. In someimplementations, the second portion may include a fee portion and/ormerchant portion.

As indicated at block 511, some embodiments of process 500 may includeallocating the first and second portions respectively. In someimplementations, process 500 may further include providing the allocatedportions to the respective merchant and purchaser.

Process 500 may end at block 513. It should be understood that process500 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations. Furthermore, while process 500 isdescribed in terms of credit cards, it should be understood that otherpayment methods and credit methods may be used in various otherembodiments.

In some embodiments, one or more computer systems, for example, mayimplement a process similar to process 600 illustrated in FIG. 6.Process 600 may begin at block 601.

As indicated at block 603, some embodiments may include receiving anindication of a referral for a credit card. In some implementations,such an indication may include any type of indication that a person hasbeen referred to obtain a credit card from one or more credit cardissuers. In some implementations, such an indication may include, forexample, a credit card application that identifies a referrer, a URLthat indicates a source of a referral (e.g., source.issuer.com), acookie or other storage element associated with an internet browser,and/or any other type of electronic message or other indication. In someimplementations, the indication may be received from a referrer and/or asubject of the referral.

In some implementations, process 600 may include providing a credit cardor other form or line of credit, as indicated at block 605. For example,in some implementations, a credit card issuer may perform some or all ofthe actions of process 600. In response to receiving an indication of areferral for a credit card, a credit card may be provided to the subjectof the referral (e.g., a person or entity being referred) by such acredit card issuer. In some implementations, a verification processand/or various credit processing acts (e.g., credit check) may beperformed before issuing a credit card. Such acts are well known in thecredit business.

As indicated at block 607, process 600 may include receiving anindication of a payment associated with the credit card. A payment forexample, may include a payment of a principal balance on the creditcard, a payment of interest of a balance on the credit card, and/or apayment of a fee associated with the credit card. Such a payment may beassociated with use of the credit card, for example, to purchase one ormore products or services by the subject of the referral.

As indicated at block 609, some embodiments may include calculating atleast a portion of the payment to allocate to one or more referrersassociated with the referral. Such a referrer may include an individualor entity identified by the indication of the referral as havingreferred the subject of the referral. In some implementations, apercentage of the payment or some part of the payment may be calculatedfor allocation. In some implementations, such a percentage may vary, forexample in accordance with a size of the payment, amount of interestcharged, number of people referred by the referrer, and/or any othercriteria. In some implementations, calculating at least the portion ofthe payment may include calculating a portion of an interest part of thepayment, a principal part of the payment, a fee part of the payment,and/or any other desired part for allocation to the referrer.

As indicated at block 611, some embodiments of process 600 may includeproviding and/or allocating the calculated portion to the referrer.Providing may include delivering money in any form to a referrer and/ordelivering a credit of any type to the referrer.

Process 600 may end at block 613. It should be understood that process600 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations. Furthermore, while process 600 isdescribed in terms of credit cards, it should be understood that otherpayment methods and credit methods may be used in various otherembodiments.

Yet another embodiment of the present invention relates to sharingadvertisement revenue with various entities. For example, FIG. 7illustrates an example process 700 that may be performed, for example,by one or more computer systems. Process 700 may begin at block 701.

In some implementations, not indicated in FIG. 7, process 700 mayinclude receiving a representation of the advertisement. Therepresentation of the advertisement, for example, may be received froman advertiser. In some implementations, an advertisement plan may alsobe received. The advertisement plan may indicate when to include theadvertisement in a user interface, a price paid for insertion of theadvertisement, and/or any other advertising information associated withthe advisement. In some implementations, an advertisement may include,for example, a popup window, a website link, an image, textualinformation, audio information, video information, and/or any otherdesired information.

As indicated at block 703, process 700 may include receiving anindication of content for a user interface. The content, for example,may include information that may be present through a typical userinterface (e.g., a web page, mobile device interface, etc.). In someimplementations, the content may include menu information, productinformation, service information, and/or any other information. Thecontent may be received, for example, from a subject of the information(e.g., a restaurant may provide menu information, etc.), or othersources (e.g., customers may provide menu information, reviews, etc.).

As indicated at block 705, process 700 may include receiving anindication of a referral. The indication of the referral may take anydesired form. In some implementations, for example, an indication of thereferral may include an electronic message. Some example indications mayinclude a URL e.g., source.ui.com, a cookie stored by a web browser,and/or a direct identification by a user of a reference to the userinterface.

The referral may include a referral of a user to the user interface insome implementations. The referral may alternatively or additionallyinclude a referral of a content provider associated with the userinterface (e.g., a restaurant to a delivery web site), a referral of anadvertiser, and/or any other entity to the user interface.

As indicated at block 707, process 700 may include providing the userinterface. In some implementations, the user interface may include oneor more advertisements. In some implementations, the user interface mayinclude a web page presented through an internet browser, a mobiledevice interface, and/or any other user interface. The user interfacemay include any information, such as information that may typically bepresented through a web page, mobile device interface and/or any otheruser interface. In some implementations, the user interface may includea user interface for a delivery service through which a user may enterinformation requesting delivery of products and/or services. In someimplementations, process 700 may include receiving a request for theinterface, such as a request from a web browser. In someimplementations, presenting a user interface may include transmittingone or more electronic messages.

In some embodiments, as indicated at block 709, process 700 may includereceiving an indication of at least one payment for inclusion of the atleast one advertisement in the user interface. The indication of thepayment, for example, may be received from the advertiser in accordancewith an advertisement plan or other agreement with the advertiser. Insome implementations, the payment may be associated with theadvertisement on a pay per view basis, a pay per click basis, and/or anyother desired basis.

As indicated at block 711, process 700 may include calculating at leasta portion of the payment for the advertisement inclusion in the provideduser interface to allocate to at least one of the referrers. Thereferrer may include the referrer of a user to the user interface, areferrer associated with content of the user interface, a referrer ofthe advertiser associated with the advertisement, and/or any otherreferrer. In some implementations, calculating may include determining apercentage of the payment. In some implementations, the percentage mayvary, for example based on an amount of the payment, a basis forpayment, a number of references, a type of the subject of the referral,and/or any other desired criteria.

Process 700 may end at block 713. It should be understood that process700 may include some described acts in any order and that otherembodiments may include other non-described acts and/or may not includesome or all described acts. It should further be understood that someacts may be performed simultaneously as a single act rather thanseparate acts in some implementations.

The above described processes are provided as non-limiting examples ofembodiments of the present invention. It should be understood that otherembodiments may include other acts and techniques for sharing money,bonding and/or selecting delivery agents, and any other desired result.

More Embodiments

A method comprising receiving a first indication of a first informationregarding at least one lender; receiving a plurality of secondindications, each of the plurality of second indications indicating arespective second information regarding at least one of a plurality ofborrowers; and determining at least a portion of payments associatedwith a plurality of loans from the at least one lender to the pluralityof borrowers to allocate to at least one referrer, wherein each loan ofthe plurality of loans includes a loan from the at least one lender to arespective one of the plurality of borrowers.

The method of paragraph [116], wherein the at least one referrerincludes a referrer of the at least one lender.

The method of paragraph [117], further comprising receiving at least oneindication of a referral of the at least one lender.

The method of paragraph [118], in which the at least one indication ofthe referral includes at least one electronic message.

The method of paragraph [118], wherein the indication of the referralincludes an identification of the referrer by the at least one lender.

The method of paragraph [118], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [118], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [116], wherein the at least one referrerincludes a referrer of at least one borrower of the plurality ofborrowers.

The method of paragraph [123], further comprising receiving at least oneindication of a referral of the at least one borrower of the pluralityof borrowers.

The method of paragraph [124], in which the at least one indication ofthe referral includes at least one electronic message.

The method of paragraph [124], wherein the indication of the referralincludes an identification of the referrer by the at least one borrower.

The method of paragraph [124], wherein the indication of the referralincludes at least one loan application.

The method of paragraph [124], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [124], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [116], wherein the first information includes anoffered interest rate by the at least one lender.

The method of paragraph [130], wherein the first information includes atleast one of an amount of money to be loaned, a loan term, and a loanrestrictions.

The method of paragraph [116], wherein the at least one lender includesat least one financial institution.

The method of paragraph [116], wherein each respective secondinformation includes a desired interest rate of at least one respectiveborrower of the plurality of borrowers.

The method of paragraph [133], wherein the second information includesat least one of an amount of money to be borrowed, a desired loan term,and credit information.

The method of paragraph [116], wherein the portion includes a percentageof the payments.

The method of paragraph [135], wherein the payments includes at leastone of a payment of interest, a payment of principal, and a payment of afee.

The method of paragraph [135], wherein the percentage is based, at leastin part, on whether a referee of the referrer is one of the at least onelender or one of the plurality of borrowers.

The method of paragraph [116], further comprising receiving the paymentsand providing the portion of the payments to the at least one referrer.

The method of paragraph [116], further comprising transmitting arepresentation of the portion of the payments.

The method of paragraph [116], further comprising facilitating theplurality of loans.

The method of paragraph [140], wherein facilitating includes providingat least a portion of the first information to each borrower of theplurality of borrowers.

The method of paragraph [140], wherein facilitating includes providingat least a portion of the second information to the at least one lender.

The method of paragraph [140], wherein facilitating includes providingat least one user interface that includes at least one of the firstinformation and the second information.

The method of paragraph [140], wherein facilitating includes matchingeach borrower of the plurality of borrowers with the at least one lenderbased, at least in part, on at least one of the first information andthe second information.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [116].

The apparatus of paragraph [145], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving first information regarding at least onelender; receiving second information regarding at least one borrower;and determining at least a portion of a payment associated with at leastone loan from the at least one lender to the at least one borrower toallocate to at least one referrer.

The method of paragraph [147], wherein the referrer includes a referrerof the at least one lender.

The method of paragraph [148], further comprising receiving at least oneindication of a referral of the at least one lender.

The method of paragraph [149], in which the at least one indication ofthe referral includes at least one electronic message.

The method of paragraph [149], wherein the indication of the referralincludes an identification of the referrer by the at least one lender.

The method of paragraph [149], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [149], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [147], wherein the referrer includes a referrerof the at least one borrower.

The method of paragraph [154], further comprising receiving at least oneindication of a referral of the at least one borrower.

The method of paragraph [155], in which the at least one indication ofthe referral includes at least one electronic message.

The method of paragraph [155], wherein the indication of the referralincludes an identification of the referrer by the at least one borrower.

The method of paragraph [155], wherein the indication of the referralincludes at least one loan application.

The method of paragraph [155], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [155], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [147], wherein the first information includes anoffered interest rate by the at least one lender.

The method of paragraph [161], wherein the first information includes atleast one of an amount of money to be loaned, a loan term, and a loanrestrictions.

The method of paragraph [147], wherein the at least one lender includesat least one financial institution.

The method of paragraph [147], wherein the second information includes adesired interest rate of the at least one borrower.

The method of paragraph [164], wherein the second information includesat least one of an amount of money to be borrowed, a desired loan term,and credit information.

The method of paragraph [147], wherein the portion includes a percentageof the payment.

The method of paragraph [166], wherein the payment includes at least oneof a payment of interest, a payment of principal, and a payment of afee.

The method of paragraph [166], wherein the percentage is based, at leastin part, on whether a referee of the referrer is one of the at least onelender or one of the at least one borrower.

The method of paragraph [147], further comprising receiving the paymentand providing the portion to the at least one referrer.

The method of paragraph [147], further comprising transmitting arepresentation of the portion.

The method of paragraph [147], further comprising facilitating the atleast one loan.

The method of paragraph [171], wherein facilitating includes providingat least a portion of the first information to the at least oneborrower.

The method of paragraph [171], wherein facilitating includes providingat least a portion of the second information to the at least one lender.

The method of paragraph [171], wherein facilitating includes providingat least one user interface that includes at least one of the firstinformation and the second information.

The method of paragraph [171], wherein facilitating includes matchingthe at least one borrower with the at least one lender based, at leastin part, on at least one of the first information and the secondinformation.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [147].

The apparatus of paragraph [176], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving a request for a delivery of at least oneproduct; receiving an indication of a value of the at least one product;transmitting a request for a bonding of a delivery agent, a value of therequest for the bonding being based, at least in part, on the value ofthe at least one product; receiving an indication that a sum of money atleast as great as the value of the request for the bonding is availableto bond the delivery agent; transmitting, to the delivery agent, arequest to deliver the at least one product.

The method of paragraph [178], wherein transmitting the request for thebonding includes transmitting a request to lock a charge on at least onecredit card, a value of the charge corresponding to a value of therequest for the bonding.

The method of paragraph [179], wherein receiving the indication that thesum of money at least as great as the value of the request for thebonding is available includes receiving an indication that the chargehas been successfully locked on the at least one credit card.

The method of paragraph [178], wherein receiving an indication that thesum of money at least as great as the value of the request for thebonding is available includes at least one of receiving an indicationthat the money is held by a trusted entity, and receiving the money.

The method of paragraph [178], wherein the request to deliver the atleast one product includes a request to act as a principal whendelivering the at least one product.

The method of paragraph [182], wherein acting as a principal includespaying at least one merchant for the at least one product in order totake ownership of the at least one product during the delivery of the atleast one product; and transferring ownership of the at least oneproduct to at least one customer upon delivery of the at least oneproduct.

The method of paragraph [178], wherein the request to deliver the atleast one product includes a request to act as an agent when deliveringthe at least one product.

The method of paragraph [184], wherein acting as an agent includestaking possession of the at least one product from at least one merchantwithout paying the at least one merchant to take ownership of the atleast one product during the delivery of the at least one product; andtransferring possession of the at least one product to at least onecustomer upon delivery of the at least one product.

The method of paragraph [178], further comprising delivering the atleast one product.

The method of paragraph [178], wherein the request for the deliveryincludes a request to deliver the at least one product from a merchantto a customer.

The method of paragraph [178], wherein the value of the request includesat least a percentage of the value of the at least one product.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [178].

The apparatus of paragraph [189], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving a request for a delivery of at least oneproduct; receiving a plurality of reviews, each review of the pluralityof reviews corresponding to a respective one of a plurality of deliveryagents; selecting at least one delivery agent from the plurality ofdelivery agents, based, at least in part, on at least one of theplurality of reviews; and transmitting, to the at least one deliveryagent, a request to deliver the at least one product.

The method of paragraph [191], wherein each review of the plurality ofreviews includes at least one of a fact and an opinion regarding arespective one of the plurality of delivery agents.

The method of paragraph [192], wherein each review is received from auser of a respective one of the plurality of delivery agents.

The method of paragraph [191], wherein the request to deliver the atleast one product includes a request to act as a principal whendelivering the at least one product.

The method of paragraph [191], wherein acting as a principal includespaying at least one merchant for the at least one product in order totake ownership of the at least one product during the delivery of the atleast one product; and transferring ownership of the at least oneproduct to at least one customer upon delivery of the at least oneproduct.

The method of paragraph [191], wherein the request to deliver the atleast one product includes a request to act as an agent when deliveringthe at least one product.

The method of paragraph [196], wherein acting as an agent includestaking possession of the at least one product from at least one merchantwithout paying the at least one merchant to take ownership of the atleast one product during the delivery of the at least one product; andtransferring possession of the at least one product to at least onecustomer upon delivery of the at least one product.

The method of paragraph [191], wherein the request for delivery includesa request to deliver a product from a merchant to a customer.

The method of paragraph [191], wherein selecting the at least onedelivery agent includes selecting a relatively positively revieweddelivery agent.

The method of paragraph [199], wherein selecting the relativelypositively reviewed delivery agent includes selecting an availabledelivery agent.

The method of paragraph [200], wherein the available delivery agent iswilling to delivery the at least one product from a merchant to acustomer within a desired timeframe.

The method of paragraph [199], wherein selecting the relativelypositively reviewed delivery agent includes selecting a most positivelyreviewed delivery agent of the plurality of delivery agents.

The method of paragraph [199], further comprising filtering the reviewsbefore selecting the delivery agent.

The method of paragraph [203], wherein filtering the reviews includesfiltering the reviews based at least on one of a social network of amerchant, and a social network of a recipient.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [191].

The apparatus of paragraph [205], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving an indication of a credit card payment;determining at least one of a type of a credit card and a merchantassociated with the credit card payment; calculating, based, at least inpart, on the at least one of the type of the credit card and themerchant, at least a first portion of the credit card payment toallocate to a purchaser associated with the credit card payment; andcalculating at least a second portion of the credit card payment toallocate to the merchant associated with the credit card payment.

The method of paragraph [207], further comprising offering at least oneof a product and a service from the merchant; receiving an indication ofa purchase of the at least one of the product and the service, whereinthe credit card payment includes a payment for the at least one of theproduct and the service.

The method of paragraph [208], wherein offering the at least one of theproduct and the service includes indicating at least one price for theat least one of the product and the service, the at least one pricebeing a normal price at which the at least one of the product and theservice is offered by the at least one merchant, and wherein the atleast one price includes a merchant portion and a fee portion.

The method of paragraph [209], wherein the second portion includes themerchant portion, and the first portion includes at least part of thefee portion.

The method of paragraph [210], wherein the first portion includes apredetermined percentage of the fee portion.

The method of paragraph [210], wherein the first portion includes apercentage of the fee portion that varies with a magnitude of thepayment.

The method of paragraph [207], wherein the first portion includes apredetermined percentage of the payment.

The method of paragraph [207], wherein the first portion includes apercentage of the payment that varies with a magnitude of the payment.

The method of paragraph [207], determining if the type of the creditcard and the merchant match.

The method of paragraph [215], wherein determining if the type of thecredit card and the merchant match includes determining if the merchantis an issuer of the credit card.

The method of paragraph [215], wherein calculating, based, at least inpart, on the at least one of the type of the credit card and themerchant, at least the first portion of the credit card payment toallocate to the purchaser associated with the credit card paymentincludes calculating at least the first portion of the credit cardpayment to allocate to the purchaser if the type of the credit card andthe merchant are determined to match.

The method of paragraph [207], further comprising allocating the firstportion to the purchaser and allocating the second portion to themerchant.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [207].

The apparatus of paragraph [219], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving an indication of a referral of a creditcard; receiving an indication of a payment associated with the creditcard; and calculating at least a portion of the payment to allocate to areferrer associated with the referral.

The method of paragraph [221], wherein the indication of the referralincludes an indication that at least one of a person and an entity hasreferred a customer to a credit card company.

The method of paragraph [222], wherein the indication of the referralincludes an electronic message.

The method of paragraph [222], wherein the indication of the referralincludes an identification of the referrer by the customer.

The method of paragraph [222], wherein the indication of the referralincludes a credit card application.

The method of paragraph [222], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [222], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [221], further comprising providing a creditcard to a target associated with the referral.

The method of paragraph [221], wherein the indication of the paymentincludes an indication that a monetary amount has been paid to a creditcard company.

The method of paragraph [221], wherein the payment includes at least oneof a payment of interest, a payment of principal, and a payment of afee.

The method of paragraph [221], allocating the portion of the payment tothe referrer associated with the referral.

The method of paragraph [221], wherein the portion includes a percentageof at least a part the payment.

The method of paragraph [232], wherein the pat least the part includesat least one of an interest part, a fee part, and a principal part.

The method of paragraph [221], further comprising providing the portionof the payment to the referrer associated with the referral.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [221].

The apparatus of paragraph [235], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising providing a user interface, the user interfaceincluding at least one advertisement; receiving at least one payment forinclusion of the at least one advertisement; allocating at least aportion of the at least one payment to at least one of a referrerassociated with the user interface and a content provider associatedwith the user interface.

The method of paragraph [237], wherein the user interface includes adelivery service interface.

The method of paragraph [237], wherein the referrer includes at leastone of a referrer of an advertiser associated with the advertisement, areferrer of a user accessing the user interface, and a referrer of thecontent provider associated with the user interface.

The method of paragraph [239], further comprising receiving anindication of a referral of the advertiser.

The method of paragraph [240], wherein the indication of the referral ofthe advertiser includes an electronic message.

The method of paragraph [239], further comprising receiving anindication of a referral of the user accessing the user interface.

The method of paragraph [242], wherein the indication of the referralincludes an electronic message.

The method of paragraph [242], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [242], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [239], further comprising receiving anindication of a referral of the content provider.

The method of paragraph [246], wherein the indication of the referral ofthe content provider includes an electronic message.

The method of paragraph [246], wherein the indication of the referralincludes content of a temporary storage element of an Internet browser.

The method of paragraph [246], wherein the indication of the referralincludes a universal resource locator.

The method of paragraph [237], wherein the content provider includes atleast one of a merchant associated with the user interface, a providerof menu information associated with the user interface, a provider ofassociation information associated with the user interface, and aprovider of review information associated with the user interface.

The method of paragraph [237], further comprising receiving anindication of content for the user interface from the content provider.

The method of paragraph [237], wherein content includes at least aportion of information provided through the user interface.

The method of paragraph [237], further comprising receiving at least onerepresentation of the at least one advertisement.

The method of paragraph [237], further comprising providing the portionof the at least one payment to the at least one of the referrerassociated with the user interface and the content provider associatedwith the user interface.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to paragraph [237].

The apparatus of paragraph [255], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

A method comprising receiving an indication of a payment, the paymentincluding a merchant portion and a fee portion; determining at least aportion of the fee portion to allocate to at least one of a payer, areferrer, and a content provider associated with the payment.

The method of paragraph [257], further comprising offering at least oneof a product and a service from a merchant; receiving an indication of apurchase of the at least one of the product and the service, wherein thepayment includes a payment for the at least one of the product and theservice.

The method of paragraph [258], wherein offering the at least one of theproduct and the service includes indicating at least one price for theat least one of the product and the service, the at least one pricebeing a normal price at which the at least one of the product and theservice is offered by the at least one merchant, and wherein the atleast one price includes the merchant portion and the fee portion.

The method of paragraph [258], wherein the payer includes a payer of thepayment.

The method of paragraph [257], further comprising determining at least aportion of the merchant portion to allocate to at least one merchant.

The method of paragraph [261], wherein the at least one payment includesa payment for at least one of a product and a service from the at leastone merchant.

The method of paragraph [257], wherein determining the at least theportion includes determining a percentage of the fee portion.

The method of paragraph [263], wherein the percentage includes a fixedpercentage.

The method of paragraph [263], wherein the percentage varies with amagnitude of the payment.

The method of paragraph [257], further comprising allocating at leastthe portion of the fee portion to the at least one of the payer, thereferrer, and the content provider associated with the payment.

The method of paragraph [257], wherein the referrer includes at leastone of a referrer of an advertiser, a referrer of a user accessing auser interface, and a referrer of the content provider.

The method of paragraph [267], further comprising providing the userinterface.

The method of paragraph [268], wherein the content provider includes aprovider of content for the user interface.

The method of paragraph [269], wherein the content provider includes atleast one of a merchant associated with the user interface, a providerof menu information associated with the user interface, a provider ofassociation information associated with the user interface, and aprovider of review information associated with the user interface.

The method of paragraph [268], further comprising receiving anadvertisement from the advertiser.

The method of paragraph [257], further comprising receiving at least oneindication of a referral.

The method of paragraph [272], wherein the indication of the referralidentifies the referrer and includes a referral of at least one of areferrer of an advertiser, a referrer of a user accessing a userinterface, and a referrer of the content provider.

An apparatus comprising at least one machine readable medium, the atleast one machine readable medium having stored thereon a plurality ofmachine instructions, the plurality of machine instructions togetherbeing able to control at least one computer system to perform a methodaccording to claim [257].

The apparatus of paragraph [274], further comprising at least oneprocessor configured to execute at least one instruction of theplurality of machine instructions.

1. A method comprising: determining, by the computing device, a bondingvalue for a delivery agent to deliver at least one product based, atleast in part, on a value of the at least one product; determining, bythe computing device, that a sum of money at least as great as thebonding value is available to bond the delivery agent; and in responseto determining that the sum of money is available, transmitting, fromthe computing device, a request to deliver the at least one product. 2.The method of claim 1, in which determining that the sum of money isavailable includes: transmitting, from the computing device, a requestfor a bonding of the delivery agent; and receiving, by the computersystem, an indication that the sum of money at is available to bond thedelivery agent.
 3. The method of claim 2, wherein transmitting therequest for the bonding includes transmitting a request to lock a chargeon at least one credit card.
 4. The method of claim 2, wherein receivingan indication that the sum of money at least as great as the bondingvalue is available includes at least one of receiving an indication thatthe money is held by a trusted entity, and receiving the money.
 5. Themethod of claim 2, in which receiving the indication that the sum ofmoney is available to bond the delivery agent includes receiving anindication that, on behalf of the delivery agent, the sum of money isavailable to be forfeit in response to a failed delivery of the at leastone product.
 6. The method of claim 1, wherein the bonding valueincludes at least a percentage of the value of the at least one product.7. The method of claim 1, comprising: selecting, by the computer system,the delivery agent based on a plurality of reviews, in which each of theplurality of reviews includes a respective review of at least one of thedelivery agent and at least one other respective delivery agent.
 8. Themethod of claim 7, in which selecting the delivery agent includesselecting the delivery agent based on a comparison of at least onereview of the delivery agent and at least one review of at least oneother delivery agent.
 9. The method of claim 7, wherein selectingdelivery agent includes selecting a most positively reviewed deliveryagent of a plurality of delivery agents.
 10. The method of claim 7,comprising determining, by the computing device, the plurality ofreviews based on a social network of a merchant associated with theproduct, in which each review of the plurality of reviews is from amember of the social network.
 11. The method of claim 7, comprisingdetermining, by the computing device, the plurality of reviews based ona social network of a customer who purchased the product, in which eachreview of the plurality of reviews is from a member of the socialnetwork.
 12. The method of claim 1, comprising: selecting, by thecomputing device, the delivery agent from a plurality of delivery agentsbased on an availability of the delivery agent in a desired timeframecompared to an availability of at least one other delivery agent in thedesired timeframe.
 13. The method of claim 1, comprising determining, bythe computing device, an allocation of a payment to each of the deliveryagent, a merchant associated with the product, and a referrer of therequest to deliver.
 14. The method of claim 1, in which the bondingvalue is based on a distance of the delivery.
 15. The method of claim 1,in which the boding value is based on a fragility of the at least oneproduct.
 16. The method of claim 1, in which the bonding value is basedon a risk adversity of at least one merchant.
 17. The method of claim 1,in which the bonding is based on a risk adversity of a destination ofthe delivery.
 18. An apparatus comprising: a computing device; and anon-transitory medium having stored thereon a plurality of instructionthat when executed by the computing device cause the apparatus to:determine a bonding value for a delivery agent to deliver at least oneproduct based, at least in part, on a value of the at least one product;determine that a sum of money at least as great as the bonding value isavailable to bond the delivery agent; and in response to determiningthat the sum of money is available, transmit a request to deliver the atleast one product.
 19. The apparatus of claim 18, in which to determinethat the sum of money is available, the instructions are configured tocause the apparatus to: transmit, a request for a bonding of thedelivery agent; and receiving, by the computer system, an indicationthat the sum of money at is available to bond the delivery agent. 20.The apparatus of claim 19, wherein the request for the bonding includesa request to lock a charge on at least one credit card.
 21. Theapparatus of claim 19, wherein the indication that the sum of money atleast as great as the bonding value is available includes at least oneof an indication that the money is held by a trusted entity and receiptof the money.
 22. The apparatus of claim 19, in which the indicationthat the sum of money is available to bond the delivery agent includesan indication that, on behalf of the delivery agent, the sum of money isavailable to be forfeit in response to a failed delivery of the at leastone product.
 23. The apparatus of claim 18, wherein the bonding valueincludes at least a percentage of the value of the at least one product.24. The apparatus of claim 18, in which the instructions are configuredto cause the apparatus to: select the delivery agent based on aplurality of reviews, in which each of the plurality of reviews includesa respective review of at least one of the delivery agent and at leastone other respective delivery agent.
 25. The apparatus of claim 24, inwhich the selection is based on a comparison of at least one review ofthe delivery agent and at least one review of at least one otherdelivery agent.
 26. The apparatus of claim 24, wherein the selection isbased on a most positively reviewed delivery agent of a plurality ofdelivery agents.
 27. The apparatus of claim 24, in which theinstructions are configured to cause the apparatus to: determine theplurality of reviews based on a social network of a merchant associatedwith the product, in which each review of the plurality of reviews isfrom a member of the social network.
 28. The apparatus of claim 24, inwhich the instructions are configured to cause the apparatus to:determine the plurality of reviews based on a social network of acustomer who purchased the product, in which each review of theplurality of reviews is from a member of the social network.
 29. Theapparatus of claim 18, in which the instructions are configured to causethe apparatus to: select the delivery agent from a plurality of deliveryagents based on an availability of the delivery agent in a desiredtimeframe compared to an availability of at least one other deliveryagent in the desired timeframe.
 30. The apparatus of claim 18, in whichthe instructions are configured to cause the apparatus to: determine anallocation of a payment to each of the delivery agent, a merchantassociated with the product, and a referrer of the request to deliver.31. The apparatus of claim 18, in which the bonding value is based on adistance of the delivery.
 32. The apparatus of claim 18, in which theboding value is based on a fragility of the at least one product. 33.The apparatus of claim 18, in which the bonding value is based on a riskadversity of at least one merchant.
 34. The apparatus of claim 18, inwhich the bonding is based on a risk adversity of a destination of thedelivery.